1st Advantage MortgageIn Noble County, Ohio, the typical household earns $56,098 a year and the typical rent is $707. Whatever your own numbers, compare written offers on APR, fees and total cost, and verify the lender is licensed in Ohio before sharing details.
On this page
- Noble County by the numbers
- How Noble County residents earn a living
- Income in Noble County compared with Ohio
- Noble County housing compared with Ohio
- Places inside Noble County
- Neighboring counties at a glance
- A Noble County household budget, worked through
- What the numbers mean for Noble County borrowers
- People and households in Noble County
- A Noble County borrower's checklist
- Lender oversight for Noble County
- Nearby and statewide guides
- Frequently asked questions
Noble County by the numbers
With an estimated 14,282 residents (ACS 2020 to 2024), Noble County ranks 85th of 88 in Ohio for population. Land area is 398 square miles (2024 Gazetteer), so density runs near 36 per square mile. It sits outside every metropolitan statistical area in the July 2023 OMB delineation. Of the 6 Census places inside Noble County, Caldwell leads by population with about 1,667; 6 of the 6 are incorporated.
How Noble County residents earn a living
The biggest employer of Noble County residents, by industry, is education and health care at 25% of workers, followed by manufacturing (18%). Manufacturing stands out: 18% of workers here, versus 15% statewide. ACS puts five-year average unemployment at 1.4% in Noble County. About 89% drive to work alone and 11% have trips of 45 minutes or more. Only 7.7% of homes here go without a vehicle.
| Sector | Noble County | Compared with Ohio |
|---|---|---|
| Education and health care | 25.4% | +1.1 pts |
| Manufacturing | 18.2% | +3.5 pts |
| Retail trade | 11.4% | +0.3 pts |
| Transportation, warehousing and utilities | 9.0% | +3.0 pts |
| Professional and administrative services | 6.4% | -3.8 pts |
| Construction | 5.3% | -0.7 pts |
A lender verifies what your own job pays. The county's industry mix tells you about the local economy, not about your application.
Income in Noble County compared with Ohio
Half of Noble County households take in less than $56,098 a year and half take in more, 21% below the Ohio median of $71,389.
| Band | Noble County | Compared with Ohio |
|---|---|---|
| Under $35,000 | 35.8% | +12.0 pts |
| $35,000 to $99,999 | 35.4% | -6.2 pts |
| $100,000 to $199,999 | 24.1% | -1.4 pts |
| $200,000 or more | 4.7% | -4.4 pts |
Some 36% of households here live on less than $35,000 a year; 29% have six-figure incomes. The poverty rate is 10.6%, 3 points lower than the state's 13.3%. The Gini index of income inequality is 0.481 (0 is perfect equality). For a borrower in Noble County, the county median is only context: a lender looks at the income you can document, so pay stubs, benefit letters or tax returns matter more than any average.
Noble County housing compared with Ohio
A typical Noble County rental runs $707 a month including utilities, which is 32% below Ohio. By the Census definition, 23% of Noble County renters are cost-burdened. With a median value of $163,600, a typical Noble County house costs 2.9 times what the median household earns in a year. The ownership rate is 84%. Median construction year: 1978.
| Noble County | Ohio | U.S. county median | |
|---|---|---|---|
| Median gross rent | $707/mo | $1,034/mo | $877/mo |
| Median home value | $163,600 | $214,800 | $185,300 |
| Owners | 84% | 67% | 75% |
| Rent-burdened renters | 23% | 46% | 45% |
| Burdened owners | 32% | 21% | n/a |
In an owner-heavy county like Noble County, many borrowers can also choose a home equity loan or line of credit. Those can price lower but put the house on the line, so compare the two in writing; our personal loan vs. HELOC guide walks through it.
Places inside Noble County
Here are the 6 most populous of the county's 6 Census places, with income and rent from the same 2020 to 2024 survey. About 16% of Noble County residents live in one of the 6. Live in one of these Noble County communities, or between them? This is your local guide.
| Place | Type | Population | Median income | Median rent | From county center |
|---|---|---|---|---|---|
| Caldwell | village | 1,667 | $51,208 | $724 | 4 mi |
| Belle Valley | village | 186 | $48,750 | $725 | 6 mi |
| Sarahsville | village | 159 | $48,125 | n/a | 3 mi |
| Summerfield | village | 149 | $45,625 | $875 | 7 mi |
| Dexter City | village | 120 | $57,917 | $694 | 8 mi |
| Batesville | village | 66 | $98,500 | n/a | 14 mi |
Neighboring counties at a glance
Distances run center to center, from Monroe County at 19 miles out to Belmont County at 31. Income ranges from $57,017 in Belmont County to $63,603 in Washington County; all six of these neighbors top Noble County's median.
| Nearby county | Center to center | Household income | Gross rent | Owner-occupied |
|---|---|---|---|---|
| Noble County | - | $56,098 | $707/mo | 84% |
| Monroe County, OH | 19 mi | $60,134 | $672/mo | 80% |
| Guernsey County, OH | 20 mi | $58,478 | $864/mo | 72% |
| Washington County, OH | 22 mi | $63,603 | $852/mo | 75% |
| Morgan County, OH | 24 mi | $59,351 | $742/mo | 79% |
| Muskingum County, OH | 29 mi | $60,780 | $833/mo | 68% |
| Belmont County, OH | 31 mi | $57,017 | $793/mo | 74% |
A Noble County household budget, worked through
Lenders compare monthly debt payments with gross monthly income, the debt-to-income ratio. For a Noble County household at the medians it works out like this; treat it as an illustration only.
- $4,675 a month: gross income for a household at the Noble County median
- Housing at the median rent of $707 uses 15%
- At 35%, room after rent is $929 a month
- 45% debt-to-income limit: $1,397 left for all other debt payments
If your rent is above $707, the room shrinks dollar for dollar.
What the numbers mean for Noble County borrowers
Where the Noble County numbers stand out, and why it matters for a loan:
- Repairs on manufactured housing. With 16% of homes here, compare a personal loan with any dealer or park repair program.
- Retirees. At a median age of 53.4, many borrowers here rely on award letters as proof of income; favor no prepayment penalty.
- Paperwork. ID, proof of income and a bank account are the basics (requirements).
People and households in Noble County
Degree holders: 16% of adults over 25. 7.7% of residents have no health coverage.
| Measure | Noble County | Ohio statewide | Typical U.S. county |
|---|---|---|---|
| Median age | 53.4 | 39.7 | 41.5 |
| Bachelor's or higher | 15.7% | 31.5% | 22.2% |
| No high school diploma | 15.7% | 8.2% | n/a |
| No health insurance | 7.7% | 6.4% | 7.8% |
| No vehicle | 7.7% | 7.5% | 5.4% |
| Work from home | 4.8% | 13.0% | 8.7% |
| Poverty rate | 10.6% | 13.3% | 13.2% |
| Unemployment (ACS) | 1.4% | 4.8% | 4.4% |
| Minutes to work | Noble County workers |
|---|---|
| Under 15 min | 36.4% |
| 15 to 29 min | 27.4% |
| 30 to 44 min | 24.8% |
| 45 to 59 min | 7.9% |
| 60+ min | 3.5% |
A Noble County borrower's checklist
Before you apply, wherever you live in Noble County:
- Get a written quote for whatever you are paying for in Noble County.
- Collect three written offers and compare APR and total repaid.
- Check the license, then the reviews, then the offer.
- Ask about early-payoff penalties.
Lender oversight for Noble County
No county office licenses personal lenders. For Noble County, check the Ohio Division of Financial Institutions. Banks and credit unions have their own regulators, and the CFPB takes complaints about any lender. More on Ohio: Ohio personal loans.
Nearby and statewide guides
The Ohio guide covers the whole state.
Frequently asked questions
Is Noble County a high-income county?
Its $56,098 median ranks 80th of 88 Ohio counties and compares with $65,681 for the median U.S. county.
Is Noble County expensive for renters?
Median rent is $707 against $1,034 statewide, and 23% of renter households are cost-burdened.
What are the biggest places in Noble County?
By population: Caldwell, Belle Valley, Sarahsville, Summerfield, Dexter City. The county has 6 Census places in all.
Does living in Noble County change what I qualify for?
Not in our fit check, which uses only the amount, credit range, income and payments you enter, the same for a Noble County resident as anyone. Lenders decide under fair-lending law.
Who regulates personal lenders for Noble County residents?
The Ohio Division of Financial Institutions licenses consumer lenders in Ohio; the CFPB takes complaints about any lender, and the FTC wants to hear about fee-first offers.